Compare cover for overseas medical expenses, cancellation, luggage, travel delays and activities such as skiing or cruising, rather than choosing on price alone. Check the policy’s Product Disclosure Statement for exclusions, excesses, sub-limits, pre-existing medical conditions and any conditions affecting pandemic-related claims. Buy cover soon after booking if you want cancellation protection, and confirm that your destination and planned activities are included. The insurer will assess claims under its policy terms, so check its requirements and Smartraveller’s destination advice before you leave.